Co-badged cards compliance

Applicable in:

Regulatory requirements

Regulation (EU) 2015/751 requires businesses in the European Economic Area (EEA) to honor customers’ card brand choice for co-badged cards (for example, Cartes Bancaires cards co-badged with Visa). In practice, this means you must enable cardholders to select a preferred card brand within your checkout form in accordance with these guidelines:

• Display the available card networks in your checkout form: All available card networks must be clearly identified during the checkout process. The visual quality, clarity, and size of the brand logos must be consistent, and it should be clear to cardholders how to select a card network.
• Abide by the cardholder’s preferred card network: Where the cardholder chooses their preferred card network, you must use it when confirming a payment or storing card details for future use. If the cardholder doesn’t make a choice, you can choose your card network for the transaction.
• Allow updates to the preferred card network: You must present cardholders updating their payment methods that are saved for future use with the option to change their preferred card network when they’re updating their payment details. For example, you can provide a customer portal for managing saved payment methods.

When regulation applies

Cartes Bancaires co-badged cards are the only Stripe-supported cards that fall under this regulation. As a result, Regulation (EU) 2015/751 applies to businesses that:

• Are in the EEA
• Can process Cartes Bancaires

Businesses that meet the above criteria are required to present customers with a choice of card network for all transactions that can processed with Cartes Bancaires. A transaction is eligible for Cartes Bancaires if:

• The business can process Cartes Bancaires
• The currency is EUR
• The payment method is a co-badged Cartes Bancaires card

Integration guides

Stripe-hosted UIs, such as Checkout, Payment Links, and Elements, will automatically display a network selector when you meet the applicability criteria above, if configured according to the following guides. You can migrate to a Stripe-hosted UI to use these features.

For other integrations, you’re fully responsible for making sure your integration complies with the regulation requirements.

The Payment Element supports customer card brand choice by default. Customers who enter a co-badged card in the Payment Element can select their option for card customer brand choice.

Card input with a co-badged card

Connect platforms

Connect platforms that use the on_behalf_of property with separate charges and transfers or destination charges in a Payment Element created without an intent must also specify onBehalfOf on the Elements group of the Payment Element. This allows the Payment Element to determine when to display the card brand choice dropdown.

client.js

const elements = stripe.elements({
  mode: 'payment',
  amount: 1099,
  currency: 'usd',
  onBehalfOf: 'CONNECTED_STRIPE_ACCOUNT_ID',
});

const paymentElementOptions = {
  layout: 'accordion',
};

const paymentElement = elements.create('payment', paymentElementOptions);

Selecting a default network

By default, the dropdown appears without an option selected. To set a default network, specify an array of networks from most to least preferred in your default values when creating the Payment Element. The first network in the array that matches a network on the entered co-badged card is selected as the default. See the supported networks for valid values.

client.js

const paymentElement = elements.create('payment', {
  layout: 'accordion',
  defaultValues: {
    card: {
      network: [preferredNetwork],
    },
  },
});

Identifying network used to process a charge

The charge object associated with a successful payment contains a network field indicating which card network the payment was processed on:

{
  "id": "ch_1Ff52K2eZvKYlo2CWe10i0s7",
  "object": "charge",
  ...
  "payment_method_details": {
    "card": {
      "brand": "visa",
      ...
      "network": "cartes_bancaires",
    },
    "type": "card"
  }
}

Testing

You can use the following co-badged cards to test your integration: